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    • I decided on confrontation - which I hate.  Omg the arrogance of the driver.  They refused to say who had given them the alleged permission to park on the private land - unless I proved ownership.  I couldn't believe they could be so objectionable.   They advised they couldn't take public transport to work as they lived too far away.  They couldn't rent a local garage as none were available. I simply said that's their issue not mine. It was infuriating that this person had such misplaced entitlement.  However I decided to humour them and show them the title deeds.   They couldn't respond.  Although at this point they alleged some guy in a city up north - whose name they couldn't remember - gave permission!!    They then asked if they could buy the garages and land!! Yet can't afford to park on a meter !! They seemed to back down and agree to now park elsewhere.  I hope so. 
    • I've worked out the contractor invoiced apx 250k - Without adding vat to the invoices.  So based on above he should have added vat to all invoices once he reached 85k?  Obviously he had to pay his labourers - would those payments get taken off what he received?  Or it doesn't matter cos he invoiced for the high sum?
    • Greetings, I'm writing to seek assistance with an ongoing issue I'm having with Manchester Council.  I parked my car in a residential area behind Wilmslow Road to go purchase some food, not realizing it was a no-parking zone. I later received a letter stating I had failed to make the required payment, and the penalty had increased. I appealed the fine, explaining that I had parked there but never received the original Penalty Charge Notice (PCN), so I was unaware of the need to pay. However, the council's reply did not address my initial concern. Is there anything I can do in this situation? I admit to parking there, and I was willing to pay the original fine, but I don't think it's fair for them to demand a doubled amount when they failed to send me the initial PCN.  Any advice or guidance you can provide would be greatly appreciated. Thank you in advance for your assistance.   MK Document.pdf
    • If you look at some of the other debt related threads will see that one of the first things which will be asked will be for you to list out your debts in a brief chronological order, including date of debt, amount, creditor, amount outstanding, defaulted – yes/no – date of default, date of last payment made, have you acknowledged the debt at all to the creditors. That lot at least. I expect that my colleague @dx100uk will be along but will meet to know at least that information
    • Hi, I have found this group very helpful hence I am here seeking help and advice.   I got myself into a situation where I have now more than £50k in unsecured debts (personal loans & credit cards) and things are now getting out of control as I am struggling to make payments. This is purely my own created situation and I am taking 100% responsibility for it. I am keen to get out of this situation as soon as possible hence I would appreciate any help and advice in this process. I am employed at the moment and don’t want to risk going into IVA or bankruptcy as this would risk losing my job. Being sole bread earner of my family, I cannot afford to lose my job. I have been trying to keep up with the payments so far and had few missed payments instances until 3/4 months ago but got caught up with missed payments somehow using my savings. All my debts are still with original lenders. However I know I am getting into same situation again shortly and won’t be able to get out of it again. I have started exploring Debt Management Plan (DMP) option through StepChange but haven’t submitted it yet. Based on budgeting, I have around £820 available to make payments to all lenders after taking care of all other essential expenses. This is definitely lot more affordable than what I am currently paying to different lenders. 1. Is DMP right option for me in current situation? 2. what are the negative consequences of availing DMP? 3. is there something else that I can do to get out of this situation? I’m determined to clear out all my debts but need bit of breathing space and time. Let me know please if you need any additional information. Thanks in advance for all your help and guidance. MM  
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    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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ESA, Pension Credit and casual work


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I am receiving ESA (Support group) due to permanent injuries from a rear end car collision I was in (not my fault). I have been told by the Pension Credit folk in Edinburgh that there is virtually no difference between the two, and the rates will be the same.

 

However, when I am able I do some casual work (as a mystery shopper) and I earn maybe an average of £5 per week. I know this is disregarded, but I'm concerned that if this increases to maybe £25 per week it will affect the pension credit. I think I've found out that PC allows £5 per week but ESA allows £99.50 per week. Is this true? And if so, have I made a mistake applying for the change? It seems to me that the information given me by the PC folk in Edinburgh may have been untrue. I need some help with this please.

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I am receiving ESA (Support group) due to permanent injuries from a rear end car collision I was in (not my fault). I have been told by the Pension Credit folk in Edinburgh that there is virtually no difference between the two, and the rates will be the same.

 

However, when I am able I do some casual work (as a mystery shopper) and I earn maybe an average of £5 per week. I know this is disregarded, but I'm concerned that if this increases to maybe £25 per week it will affect the pension credit. I think I've found out that PC allows £5 per week but ESA allows £99.50 per week. Is this true? And if so, have I made a mistake applying for the change? It seems to me that the information given me by the PC folk in Edinburgh may have been untrue. I need some help with this please.

 

Umm! Being in the support group means you are severely ill that you cannot do any work, so please be careful and do your homework before undertaking any new job, otherwise you'll may find your esa changed by the dwp because they may say your circumstances changed since your last medical.

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That's not quite correct Helen. It means that I cannot hold down any reasonable part time or full time work. I can do the occasional hour or two a week when I'm feeling able to, and in my own schedule and my own pace. That's exactly why a small amount of work does not affect the claim. I have more than 'done my homework' as you put it. I have spoken with various very helpful people at ESA. The DWP are fully aware of my position, I'm not hiding anything, and I'm not doing anything untoward. The support group fully allows for small amounts of work, recognising that this does not mean you are not so disabled (not 'ill') that you are unable to do full or part time work. That's the point of the really low limit. If you can't work more than the stated number of hours, or the set amount of income, you are not in full time or part time work. Think about it. £25 per week is hardly a part-time job now is it?

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DWP do accept that people do have good and bad days. There would only be a problem if the OP worked for more than 16 hours a week / the work contradicted the reason why they can't work.

 

I think I heard it was all changing under universal credit; but I can't quite remember what the changes will be. There's some information here under "working and claiming ESA".

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Umm! Being in the support group means you are severely ill that you cannot do any work, so please be careful and do your homework before undertaking any new job, otherwise you'll may find your esa changed by the dwp because they may say your circumstances changed since your last medical.

 

Anybody that is in the Support Group of ESA is entitled under the 'Permitted Work' regulations to work up to 16 hours a week and earn up to £100 a week with no time restrictions (year in, year out).

 

Being in the Support Group does NOT mean that 'you are severely ill that you cannot do any work'. What it actually means is that you have gained more than 15 points from the various descriptors and that you have received the maximum points in one of the Support Group descriptors. This has nothing whatsoever to do with being ill.

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Anybody that is in the Support Group of ESA is entitled under the 'Permitted Work' regulations to work up to 16 hours a week and earn up to £100 a week with no time restrictions (year in, year out).

 

Being in the Support Group does NOT mean that 'you are severely ill that you cannot do any work'. What it actually means is that you have gained more than 15 points from the various descriptors and that you have received the maximum points in one of the Support Group descriptors. This has nothing whatsoever to do with being ill.

 

All correct, but can I just add that it's not only people in the Support Group that can do Permitted Work. The rule applies to anyone on ESA.

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All correct, but can I just add that it's not only people in the Support Group that can do Permitted Work. The rule applies to anyone on ESA.

 

I agree, but being in the Support Group there is no 12 month limit as there is in the 'Work group' to work up to 16 hours and earn no more than £100 a week.

 

Many that are in the Support Group continue to work for their employer albeit on reduced hours and/or reduced income. It's a sensible way to increase your benefit income especially if you are in the Support Group.

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